And if you hit the live without hitting the earth? The RCD would trip when you got a shock (assuming, of course, the circuit is RCD protected).
Of course, if the metal plate (not shown in the not-to-scale diagram) is thick enough (regulation 522.6.204 point IV), as you say, it'll be pretty obvious and the carpenter will stop hammering so the situation will remain safe even if the metal plate is not earthed.
Then in this case the nail would be live.
came across this a couple of years ago when a bodging bathroom fitter caught the switched live with a shower cubicle fixing screws which meant when ever the lights were on, the frame of the shower was at 230v
his 2nd error was not to make the earth continuous so if he’s caught The live and earth nothing would have happened.
the homeowner was in her late 70’s and a shock of 230 could easily kill